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2431 S Ponca Ave, Independence, MO 64057 Property Records

Jackson County property record for 2431 S Ponca Ave, Independence, MO 64057 · Last verified June 2026

Property Summary

Property TypeSingle Family Home
Details4 bd · 3.5 ba · 2,595 sqft · built 1992
Lot Size0.266 acres (11,597 sqft)
Owner2 Individual Names on File
Last Sale$247,800 (Feb 2018)
Tax Bill$4,597 (2025)
Deeds & MortgagesMar 2024 Second Mortgage
Aug 2020 Mortgage
+ 2 more
Flood ZoneZone X (minimal risk)
APN25-530-14-26

Property Details

APN / Parcel Number

Primary APN25-530-14-26
Alternative APNs
  • 25-530-14-26-00-0-00-000
  • 25530142600000001
  • 771112

Interior

Bedrooms4 Beds
Full Baths3.5 Baths
Half Baths1 Half Bath
Plumbing Fixtures13 Plumbing Fixtures
Stories2 Stories
Building Area2,595 sqft Living Area
1st Floor Area956 sqft
Basement Area1,071 sqft
Finished Basement635 sqft
Unfinished Basement436 sqft
FlooringCarpet
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1992
Effective Year BuiltEffective 1992
Architectural StyleConventional
Exterior MaterialBrick/Stone
Construction TypeConcrete
Roof TypeGable
Roof MaterialComposition Shingle
Lot Area11,597 sqft (0.266 acres)
Garage TypeAttached
Garage Area528 sqft
Parking Spaces2 Parking Spaces
PorchOpen Porch

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C
Heating FuelGas

Location & Zoning

Account Number771112
Street Address2431 S PONCA AVE
CityINDEPENDENCE
StateMO
Zip64057-2450
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionCEDAR OAKS THIRD PLAT (LOTS 60-102) LOT 97
Legal SubdivisionCEDAR OAKS 3RD PLAT
Legal Block2
Legal Lot Number97
JurisdictionJACKSON MO
Township / Civil DivisionBLUE
Census Block Group2
Census Block2000
Census Tract14702

Owner

Source: Jackson County records · APN 25-530-14-26

Assessment roll updated September 29, 2025 · Last verified June 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on File
Mailing Address2431 S PONCA AVE, INDEPENDENCE, MO 64057-2450
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Mar 06, 2024Deed of Trust, Mortgage · Stand-Alone Second Mortgage
PENNYMAC LOAN SERVICES LLC
Aug 14, 2020Deed of Trust, Mortgage · FHA Mortgage
HUD-HOUSING/URBAN DEV
Aug 14, 2020Loan Modification, Mortgage
PENNYMAC
Feb 12, 2018Warranty Deed, Transfer · FHA Mortgage
CARDINAL FIN'L CO LP

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleFeb 12, 2018 · Amount on Record
Deed SaleFeb 12, 2018 · Amount on Record
Deed Document Number2018E11113
Prior Transfer DateJan 15, 2010
Prior Transfer Doc0000E05137
Record UpdatedSep 20, 2026

March 2024: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionJACKSON MO
Property Address2431 S PONCA AVE, INDEPENDENCE, MO 64057-2450
Transaction TypeMortgage
Record UpdatedMar 13, 2024
Title CompanySERVICELINK

Transferred To (Grantee/Buyer)

NameVerified Name
Address2431 S PONCA AVE, INDEPENDENCE, MO 64057-2450

Mortgage

Document Number00E0013790
DateMar 06, 2024
Instrument2024E0013790
Lender
NamePENNYMAC LOAN SERVICES LLC
TypeMortgage Company
Agreement
TypeStand-Alone Second Mortgage
AmountAmount Recorded
Term479 Months
DueFeb 01, 2064

August 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionJACKSON MO
Property Address2431 S PONCA AVE, INDEPENDENCE, MO 64057-2450
Document Number0000E85187
Instrument DateAug 14, 2020
Transaction TypeMortgage
Record UpdatedOct 23, 2020
Title CompanyPENNYMAC LOAN SERVICES LLC, PENNYMAC LN SVCS LLC

Transferred To (Grantee/Buyer)

NameVerified Name
Address2431 S PONCA AVE INDEPENDENCE MO 640572450, INDEPENDENCE, MO 64057-2450

Mortgage

Document Number0000E85187
DateSep 21, 2020
Instrument85187E
Lender
NameHUD-HOUSING/URBAN DEV
Address451 7TH ST SW, WASHINGTON, DC 20410-0001
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueSep 20, 2050

August 2020: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionJACKSON MO
Property Address2431 S PONCA AVE, INDEPENDENCE, MO 64057-2450
Document Number0000E85195
Instrument DateAug 14, 2020
Transaction TypeMortgage
Record UpdatedOct 23, 2020
Title CompanyNOT AVAILABLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address2431 S PONCA AVE INDEPENDENCE MO 640572450, INDEPENDENCE, MO 64057-2450

Mortgage

Document Number0000E85195
DateSep 21, 2020
Instrument85195E
Lender
NamePENNYMAC
AddressMOORPARK, CA 93021
Agreement
AmountAmount Recorded
Term360 Months
DueSep 20, 2050
Interest
Rate3.62%

February 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionJACKSON MO
Recording DateFeb 12, 2018
Property Address2431 S PONCA AVE, INDEPENDENCE, MO 64057-2450
Document Number0000E11113
Instrument DateFeb 09, 2018
Instrument11113E
Transaction TypeTransfer
Record UpdatedFeb 23, 2018
Title CompanyKANSAS CITY TITLE

Transaction

Tax$0.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address2431 S PONCA AVE INDEPENDENCE MO 640572450, INDEPENDENCE, MO 64057-2450

Mortgage

Document NumberE11114
DateFeb 12, 2018
Instrument11114E
Lender
NameCARDINAL FIN'L CO LP
AddressCHARLOTTE, NC 28273
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueFeb 11, 2048

Tax Assessment & Valuation

Source: Jackson County records · Assessment roll updated September 29, 2025 · Last verified June 2026

Property Jurisdictions

TypeName
StateMissouri
CountyJackson County
MunicipalityIndependence City
Unified School DistrictIndependence 30 School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

YearTax BillAssessed ValueAssessed Market Value
2025$4,597.00 (-18.01%)$64,327 (-20.52%) Land $8,558 Building $55,769$338,560 (-20.52%)
2024$5,607.00 (+2.34%)
2023$5,479.00$80,932 Land $8,886 Building $72,046$425,960

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Jackson County (29095C), updated May 28, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 290950147022, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Nearby Flood Claims2 (1982)
Claims Outside the SFHA2 of 2
Most Recent ClaimAug 1982, rainfall accumulation

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 226 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
Google FiberFiber8,000 / 8,000
AT&TFiber5,000 / 5,000
XfinityCable2,000 / 250

May also be available at this address: AT&T, Verizon, Wisper ISP. Availability varies by address; speeds are provider-advertised maximums, not measured.

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